农村金融机构缺失原因及对策浅析

当前,我国广大农村地区金融市场供需严重失衡,其原因在于,一是农村金融机构运营成本高昂,二是金融产品价格失真导致农村金融机构收入低下。针对这些情况,文章提出积极推进农村金融产品市场定价;重新设计支农贷款补贴政策等措施,以期达到促进农村金融市场走向繁荣的目的。

On Lack of Financial Institutions in Rural Areas and Countermeasures

Current supply and demand of financial market in rural areas of China are out of balance. There are two causes. One is that the operation cost of financial organizations in rural areas is very high. The other is that prices of financial products cannot reflect market, which leads to low efficiency of rural financial organizations. We should improve pricing of financial products in rural areas and take some measures to support rural loan so that rural market of financial products can be more prosperous.